FISI (Financial Institutions) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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FISI Financial Institutions Inc FISI
47 GF Score
Price $41.46
GF Value $22.93
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Financial Institutions ROC (Joel Greenblatt) %?

Financial Institutions FISI +0.48% 47 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates FISI with a GF Score™ of 47/100 and a GF Value™ of $22.93 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 46 Banks companies, Financial Institutions ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FISI
47GF Score
Financial Institutions Inc FISI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Financial Institutions (FISI) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Financial Institutions and its competitors. According to the industry distribution chart, Financial Institutions ranks #999999 out of 46 companies in the Banks industry.
Is Financial Institutions' ROC (Joel Greenblatt) % too high?
Financial Institutions' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Financial Institutions ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Financial Institutions has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' ROC (Joel Greenblatt) % compare to SHBI and HBIA?
According to the Banks industry distribution chart, Financial Institutions ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Financial Institutions in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Financial Institutions and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current ROC (Joel Greenblatt) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financial Institutions stock overvalued right now?
Based on GuruFocus' analysis, Financial Institutions (FISI) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.93, compared to a current price of $41.46 — trading 80.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Financial Institutions' overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Financial Institutions (FISI), the current ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Financial Institutions (FISI) Overvalued in 2026?

Based on GuruFocus' analysis, Financial Institutions stock appears to be overvalued. The current stock price of $41.46 is trading 80.8% above its estimated GF Value™ of $22.93. GuruFocus considers Financial Institutions to be Significantly Overvalued.

Key valuation signals for FISI:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $22.93 vs. price of $41.46 (80.8% above fair value)
  • GF Score™: 47/100 with 6 warning signs

No single metric tells the full story. See the FISI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Financial Institutions Business Description

Other Exchanges FIISO.PFD:USA
Address 220 Liberty Street, Warsaw, NY, USA, 14569
Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.
47GF Score

Get the complete analysis for FISI

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.46
Price
$22.93
GF Value